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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 105,689 reviews, last reviewed 13th May 2026
2530600% increase in 5 star reviews
in the past 90 days
7500% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I have a good experience with PayPal. I have a good experience with PayPal. Reviewed on: 13th May 2026
Emil T's avatar
Emil T

Latest lowest rating:

1

Never ever trust Paypal My laptop was comprised and a £500 fraud took place using PayPal credit. PayPal just read script rubbish to me and would not stop the payment. Luckily... Read more Reviewed on: 13th May 2026
Benjamin S's avatar
Benjamin S
Read all reviews Write a review

About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

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PayPal PayPal Credit reviews (105689)

PayPal Best Credit Provider

5
PayPal Credit offers several benefits that make it appealing to users: 1. Convenient Financing: PayPal Credit provides a revolving line of credit, allowing users to finance purchases and pay over time. This is especially useful for larger purchases that may be difficult to pay for upfront. Special Financing Offers: PayPal often offers special financing deals, such as no interest if paid in full within six months on purchases over a certain amount. These promotions can help users save on interest charges if they pay off the balance within the promotional period. Widespread Acceptance: Since PayPal is widely accepted by online merchants, users can take advantage of PayPal Credit at many retailers, enhancing its usability compared to store-specific credit options. Purchase Protection: Purchases made with PayPal Credit are often covered by PayPal’s purchase protection program, which can provide additional security and peace of mind when buying from online sellers. Credit Building: Responsible use of PayPal Credit can help users build or improve their credit score, as it reports to major credit bureaus. These benefits make PayPal Credit a flexible and useful option for many consumers looking for financing solutions. Reviewed on: 24th May 2024
M K's avatar
M K

Really easy to use and great value

5
I think that the pay in 3 month option is great and also 4 months interest free. Reviewed on: 24th May 2024
Mary's avatar
Mary

Split, interest free payments

5
I use PayPal credit because it gives me the option to pay interest free if i split the cost over 4 months. PayPal will also take a set amount over this period so I don't have to remember! It's an easy, affordable option for me compared to other credit cards. Reviewed on: 24th May 2024
Angela E's avatar
Angela E

Paypal is your best choice

5
I am able to pay for things using various options, this helps me manage my money effectively. I love pay in three the most, that way I don't fall into longer debt. I can make payment in different currencies which is excellent!!! Reviewed on: 24th May 2024
A M's avatar
A M

Simple and easy to use app allowing you to manage yo...

5
Simple and easy to use app allowing you to manage your expenditure Reviewed on: 24th May 2024
David H's avatar
David H

PayPal is very convenient and easy to use.

5
PayPal is very convenient and easy to use. I use it all the time for booking holidays with friends and family because of 4 month 0% interest. Now I’m looking to order Curve card so I can start using PayPal credit at any retailer, whenever needed. Reviewed on: 24th May 2024
J Z's avatar
J Z

Used PayPal for years

5
Used PayPal for years and I have never had any problems. I have called customer service only once and they were very helpful and resolved the issue straight away. Reviewed on: 24th May 2024
Kirsty P's avatar
Kirsty P

Reliable,safe and secure.

5
Reliable,safe and secure. Issues resolved seamlessly. Reviewed on: 24th May 2024
Maurice Parkin's avatar
Maurice Parkin

I have used PayPal to pay for my travel tickets with...

5
I have used PayPal to pay for my travel tickets with interest free for good three months which other financial credit offices will not do Reviewed on: 24th May 2024
Peter Johnson 's avatar
Peter Johnson

Very easy to use online application.

5
Very easy to use online application. No pressure to take up the credit facility-it was nearly a year before I accessed it. It was great to know it was available. Setting up the DDM to repay the loan was one of the easiest I have experienced. Reviewed on: 24th May 2024
Steven Czech's avatar
Steven Czech

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